Table of contents (expand)
- The credit system of the Russian Federation: essence, structure, meaning
- Legal basis for the activities of banks in the Russian Federation (Laws "On banks and banking activities", "On the Central Bank of the Russian Federation (Bank of Russia)")
- Central banks, their functions (western model)
- Functions of the Central Bank of Russia
- Passive and active operations of the Central Bank of the Russian Federation
- Monetary regulation of the economy by the Central Bank (Western and Russian models)
- Regulation and control by the Central Bank of the activities of commercial banks of the Russian Federation
- Organization by the Central Bank of cash circulation in the Russian Federation
- Refinancing of commercial banks by the Central Bank of the Russian Federation
- Operations of the Central Bank of the Russian Federation on the open market
- The essence and purpose of the fund of required reserves of commercial banks in the Central Bank of the Russian Federation
- Banks of individual elite service - Private banking ("Private banking")
- Credit auctions: essence, order of organization, meaning
- Operations of the Central Bank of the Russian Federation on servicing the public debt of Russia
- Modern inflation: essence, causes, forms of manifestation and their types in the Russian Federation
- Money circulation and its structure
- Indicators of the volume and structure of the money supply in circulation in the Russian Federation
- Monetary systems, their main elements (Western model)
- Features of the monetary system of the Russian Federation
- Interbank loans in commercial banks of the Russian Federation
- Interest rate policy of Russian banks
- Stocks: types and characteristics
- Securities in the Russian Federation. Types and characteristics
- Loan capital market: structure and functions
- Securities market: structure and functions
- Primary securities market. Methods of issue of securities
- Stock exchange: organizational and functional mechanism in the Russian Federation
- Characteristics of the secondary securities market
- Features of retail banking services - Retail banking ("Retail banking")
- The essence of money, their functions
- Theories of money and inflation
- Credit money, their types
- Bill, its essence, types
- Government securities (western model)
- Commercial banks: essence, types and role in the economy (Western model)
- Commercial banks: essence, types and role in the Russian economy
- Passive operations of commercial banks of the Russian Federation
- Formation of own resources of Russian banks
- Attracted resources of commercial banks in the Russian Federation
- Liability management in commercial banks of the Russian Federation
- Active operations of commercial banks of the Russian Federation
- Loan operations of commercial banks in the Russian Federation: essence, types, characteristics
- Documents submitted by the borrower for obtaining a loan from a commercial bank of the Russian Federation
- Forms of loan security
- Operations of commercial banks of the Russian Federation with securities
- Investment activity of Russian banks
- Asset management of commercial banks
- Liquidity of credit institutions of the Russian Federation. Liquidity indicators
- Financial risks
- Characteristics of the bank's assets in terms of providing liquidity, profitability
- Forms of credit: commercial, banking, consumer, state, international
- Financial services of commercial banks (leasing, factoring, trust transactions)
- Settlement operations of commercial banks
- The main forms of cashless payments in the Russian Federation
- Formation of check circulation in the Russian Federation (checks of commercial banks)
- Main forms of international payments
- Foreign exchange operations of Russian banks
- Foreign exchange market in the Russian Federation: participants, structure
- Mortgage banks and their operations (western model, experience in the Russian Federation)
- Investment banks and their operations (western model, experience in the Russian Federation)
- Savings banks and their operations (Western model)
- Savings banks of the Russian Federation
- Insurance companies and their operations
- Pension funds and their operations
- Investment companies and investment funds (western model, experience in the Russian Federation)
- Theories of credit
- The essence, functions and role of credit in the market economy of the Russian Federation
- International financial institutions
- Essence and functions of banking marketing
- Essence and functions of banking management
- Credit, investment and financial consulting
Financial services of commercial banks (leasing, factoring, trust transactions)
Commercial banks provide a variety of services for which fees, charges and fees are charged, generating separate income. The volume and variety of these banking services has grown significantly in recent years, and this is becoming an important source of banking profits. Let's consider three types of the specified operations: leasing, factoring and trust operations.
Leasing is the leasing by banks of machines, equipment, vehicles, industrial facilities to industrial enterprises and the conclusion of a leasing (lease) agreement with them. Thus, instead of issuing a loan to the enterprise for the purchase of these funds, the bank itself buys and leases them, retaining ownership, while receiving rent (leasing payments), and not loan interest. Leasing is a specific form of investment financing for an enterprise. There are three parties involved in a leasing operation: a lessor (usually a specialized financial company controlled by a bank or being its subsidiary), a lessee (an industrial or trade association that leases equipment) and a supplier (an industrial or commercial enterprise supplying the object of a leasing transaction). For the period of the leasing contract, an obligatory condition is the insurance of the leasing object. In fact, financial leasing is a form of long-term purchase lending, differing from a regular sale and purchase transaction by the moment of transfer of ownership of the object of the transaction to the consumer.
Factoring operations - a kind of trade and commission operations, combined with lending to the client's working capital, which are carried out by special factoring firms that are closely associated with banks or are their specialized branches and companies. Factoring transactions consist in the fact that the bank buys from its customers their claims to debtors, paying them from 70 to 90% of the claims in the form of an advance payment and paying the remaining part in strictly stipulated terms (minus interest for the loan), regardless of the receipt of payment from debtors . Factoring is a universal system of financial customer service, since the latter may not keep accounting records of their claims, may not check the solvency of their buyers and are able to accumulate the liquid funds they need, and banks can determine the financial risk when purchasing claims, because they have information (due to the existence of an extensive information computer network in industrialized countries) on the financial situation of most enterprises, including foreign ones.
Trust (trust) operations - banking services related to relationships by proxy. Trust departments of commercial banks act on behalf of clients as a trustee and carry out operations related mainly to property management. Trust operations are divided into three main types: inheritance management; performance of operations by proxy and in connection with guardianship; agency services. Banks receive a commission on trust transactions. The volume of fiduciary operations should be such as to recoup the costs associated with these operations and provide the bank with a profit.
Author: Shevchuk D.A.
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